Request a Free Health or Life Insurance Quote

On a quest for a group or personal life insurance quote? Or perhaps you’re here to find a private health insurance or Virginia group health plan quote. This means you realize that obtaining health and life insurance quotes and coverage are essential parts of wise financial planning. At Schoolcraft Insurance Agency, we agree.

A Small Investment for Peace of Mind

Individual or group life and health insurance coverage is essential for sleeping soundly at night. You benefit from tremendous peace of mind knowing that your expenses are covered in the event of a tragedy when you have life and health insurance coverage in place. Rest assured, we will help you find coverage that can help pay for costly medical bills if you are hurt, and help your family potentially maintain their standard of living in the event of your death.

Independent Health and Life Insurance Agents on Your Side

We are independent insurance agents that represent not just one, but several, of the leading life and health insurance carriers. As your one-stop group and personal health and life insurance shop, we will work tirelessly to find you the most comprehensive coverage at the most competitive price.

Group vs. Personal Health Insurance

Private health insurance, personal health insurance, and group health insurance rates are available from Schoolcraft Insurance Agency. Before you shop for health insurance, however, it is important to understand the difference between group and personal health insurance plans:

Group health insurance is available to people under age 65 through their employers’ group insurance plans. Group plans allow employers and other organizations to negotiate lower premium rates, since they are covering a larger number of people.

Personal health insurance is for people who are self-employed, unemployed or do not have coverage through an employer. Since these plans cover individuals only, they do not allow for premium-rate negotiation that is typically available to employers or other organizations intending to cover a large number of people. Therefore, personal health insurance plans usually have higher premium rates. The good news is that our independent insurance agents understand how to help you obtain comprehensive health insurance coverage at an affordable price.

Term Life and Whole Life Insurance

Similarly to the way group and personal health insurance operates, life insurance premiums may be lower if obtained through a group life insurance plan. Life insurance is essential if you would like a low-cost way to provide for your loved ones after you’re gone. The coverage can help replace your income, pay outstanding debts, supplement retirement income and fund college tuition. There are a few differences between term insurance and whole life:

Term life insurance provides you with coverage for a specific term, or period, of time. For example, you could purchase a term life insurance policy for 10, 20 or 30 years, depending on how long you need the protection.

Whole life insurance, in contrast, provides you with protection throughout your lifetime. Policy premiums cover the cost of insurance and also may build cash value you can use during your lifetime for college costs or other financial goals. We can help you understand the value of whole life insurance and explain its flexibility and guaranteed protection.

For a Health or Life Insurance Quote, Contact Us

It’s up to you to choose term life or whole life insurance, personal health insurance for yourself or group health insurance from your employer. The good news is that you can leave the task of helping you choose up to us. Whether you require a group of personal life insurance quote or a personal or Virginia group health plan quote, our independent insurance agents are poised to provide you with professional consultation. To get started, contact us now to request a free quote.